Our Holistic Wealth Management Services

We like to refer to our services as holistic wealth management with heart because we can’t imagine one without the other. Our advisors are passionate about getting to know you and teaching you how to use your wealth as a tool to live your best life. In our over 40 years in business, we’ve fine-tuned our approach to align with what we’ve found to be most effective. Through our services, we optimize each area of your financial life to help ensure they work together in one harmonious plan.

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Our Holistic Planning Process

Built right into our process is the time and care we take to understand your unique goals and values.

Through our four stage approach— Connect, Create, Chart, and Collaboration – we create comprehensive plans addressing the following key aspects of wealth management.

Retirement and Income Cash Flow

No one wants to have to completely adjust their lifestyle in retirement or have fear hanging over their head of the unknown. It’s why our advisors specialize in helping you optimize your wealth and distribution with tax-efficient strategies to maintain your desired lifestyle.

Maintain My Comfort & Cash Flow in Retirement

Tax Management

We wouldn’t be helping grow and protect your wealth without taking proactive steps to help ensure taxes don’t destroy it. Our advisors provide tax management strategies designed to minimize your tax burden and keep more of your hard-earned money in your pocket and working for you.

Minimize My Taxes

Estate and Legacy Planning

You've worked hard and built your wealth. We're here to take the guesswork out of securing your legacy to benefit your spouse, children, grandchildren, and charitable causes. Our estate planning services help ensure your assets are distributed according to your wishes.

Secure My Legacy

Asset Management

Our disciplined investment approach helps take what you’ve already accumulated and continue to grow it, while providing various income streams to put towards your dreams.

In truth, we help you manage your most important asset — time that should be spent on pursuing joy and priorities, not worrying about optimizing your portfolios by yourself.

Manage My Assets for Me

Asset Protection

We’re passionate about preserving your wealth with comprehensive risk management strategies because protecting your assets helps protect your future. We employ a range of tools from insurance to legal structures to help ensure your means to a bright future are secure.

Protect My Future

Retirement Income Specialists

As retirement income specialists, we have deep expertise and a genuine desire to help you optimize your finances for a stable retirement. We take your plan personalization very seriously because in our experience, it can lead to better outcomes. To guide our efforts, we use the Retirement Income Style Awareness (RISA®) assessment which helps us create a retirement income plan aligned with your needs and preferences for ultimate efficacy.

Discover My Retirement Income Style

Who We Serve

Our firm is versatile in serving retirees and pre-retirees, but we specialize in crafting financial plans for federal employees, business owners, and educators. Some of our advisors hold the Chartered Federal Employee Benefits Consultant (ChFEBC) designation, deeply understanding government pensions, TSPs, and other benefits. We also proudly have professionals with the Certified Exit Planning Advisor (CEPA) certification who help business owners plan for their retirement and succession. And finally, our founder got his start helping teachers with their pensions and has built a team uniquely qualified to carry on that legacy.

Who We Serve

Your Financial Advocates

At Harford Financial Group, we are more than a generic wealth management team. We’re a team of financial fiduciaries who aim to be your financial partner and advocate through life's transitions and challenges. You can trust our advice to always be in your best interest, and for us to communicate complex topics in a clear way that empowers you.

Start pursuing a rich and fulfilling retirement

Ready to take control of your financial future and pursue a retirement filled with meaning and purpose? Take the first step with our free RISA® assessment. This innovative tool helps us understand your retirement income preferences and craft a plan that's uniquely tailored to your values and goals. Complete your free RISA® assessment today and schedule a consultation with a Harford Financial Group advisor today to get started!

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